Guide to Three Types of Phone Deals

There are three types of phone deals available in the UK. They are the pay-monthly deals, Pay As You Go or PAYG in short and Sim-only deals. Each deal has its set of pros and cons. If you’re not yet decided on which type of deal is best for you, below are quick guidelines and comparisons that might help with your decision.

What are Pay-Monthly Deals?

Pay-monthly deals are the most popular and often preferred by majority of mobile users in the UK. And you can’t really blame them because pay-monthly contracts lure you with the promise of a free handset and an array of bundle plans to choose from. With this type of deal, you don’t have to break the bank to own the latest high-end handset available. You can pay for it on a monthly basis for 12, 24 or 36 months. As part of the package, you also get generous allowances on your call, text and data.

On the downside, you’ll be hooked with a lengthy contract you can’t easily get out from. Monthly fees can be expensive especially if you often exceed your bundle allowance.

What are Pay As You Go Deals?

PAYG deals, on one hand, are unlike pay-monthly deals because you wouldn’t need to worry about a fixed monthly fee each month. With PAYG deals, you have greater control on your phone bill because you choose when and how much to top-up your phone. To make a call or send a text message, you must top-up your phone with credit. Once the credits are used up, top-up again to continue using phone services.

If you know you won’t be using your mobile phone frequently, PAYG can save you money in the long run. On the downside, you won’t receive a handset as part of the package, just your Sim card, which you need to top-up when necessary.

What are Sim-only Deals?

If you own a handset and you want a generous bundle plan for your phone services, a Sim-only deal may be perfect for your needs. Sim-only deals are deals that offer a Sim card complete with a bundle plan inclusive of call, text and data allowance. You won’t get a handset as part of the package, which means that the monthly fee will be significantly cheaper than if you opt for a pay-monthly contract. There are also Sim-only deals with no contract terms. You can switch to another deal after a month and you don’t have to worry about extra charges or fees.

To compare Sim-only deals, head over to

Which one is best for you?

To know which type of deal is best for you, you need to start with your needs. Assess your monthly phone needs and go from there. If budget is another key consideration then you might be better off choosing a deal with no fixed monthly fee. In any case, the trick is not to go for the most popular phone deal but for the most suitable option that will meet your personal needs.